Mostly this is a problem for the pros, but it can be for the rest of us as well. Article at Singletracks.
Also note, there's a world of difference between the people doing exhibition downhill stuff like the Red Bull Rampage and people like me doing what is best described as hiking on wheels. However, I don't think that any insurance company can discern between these activities; I know that some of my family certainly can't.
As a side note, I see that BCBS has dumped their Live Fearless advertising campaign of a decade ago.
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